Are you a saver or a spender?

你是節約型還是揮霍型？

A penny saved is a penny earned.

省下的一分錢就是賺來的一分錢。

This old saying calls attention to the wisdom of saving money.

這句古老的諺語喚起了人們對省錢智慧的關注。

Putting money away for a rainy day is another way to talk about saving for the future. In the United States, people who want to start a savings account have different choices of where to put their money.

未雨綢繆是為未來儲蓄的另一種說法。在美國，想要開立儲蓄賬戶的人有不同的選擇。

These include banks and credit unions.

這些機構包括銀行和信用社。

Credit unions are cooperatives for individuals who often share a work-related connection.

信用社是個人的合作組織，他們往往有著與工作相關的聯繫。

For example, the members might work for a university or a government agency.

例如，成員可能在大學或政府機構工作。

Most credit unions are non-profit organizations. Credit unions, banks, and other financial institutions pay interest on savings accounts, but the interest rates are generally low.

大多數信用社都是非營利組織。信用社、銀行和其他金融機構都為儲蓄賬戶支付利息，但利率普遍較低。

Certificates of deposit pay higher returns.

存款單的回報率更高。

With a certificate of deposit, or CD, a person agrees not to withdraw the money for a period of time.

對於存款證明或 CD，個人同意在一段時間內不提取資金。

This term could be anywhere from a few months to several years.

這個期限從幾個月到幾年不等。

Longer terms and larger amounts pay higher interest.

期限越長、金額越大，利息越高。

People have to pay a small fine to withdraw their money early. Another way to save is through a money market fund.

提前取款需要支付小額罰款。另一種儲蓄方式是貨幣市場基金。

This is a kind of mutual fund.

這是一種共同基金。

Mutual funds invest money from many people.

共同基金投資許多人的錢。

The money is sometimes placed in short-term government securities.

這些錢有時會存入短期政府證券。

Money market funds, however, may not be federally guaranteed like other kinds of savings.

不過，貨幣市場基金可能不像其他種類的儲蓄那樣有聯邦擔保。

The Federal Deposit Insurance Corporation guarantees savings up to $250,000. For VOA Learning English, I'm Jonathan Evans.

聯邦存款保險公司為最高 25 萬美元的儲蓄提供擔保。我是 VOA Learning English 的 Jonathan Evans。